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The article presents a reply by the author to comments made by economist Eric Brucker about an article the author wrote concerning the personal finance market. Brucker's commentary implies that rate ceiling regulations can overcome the adverse impact of monopolistic market power, a view the author does not agree with. Furthermore, the model Brucker set forth fails to account for the effect of market concentration on loan rejection rates. Overall, the author believes his original work defensible in terms of both plausibility and accuracy.